Bank of America is refusing to refund the transactions that were made by whoever found my card after I lost it. They said "We confirmed your card was used for the charge(s). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present." I don't understand this. Of course they would have the chip, they found my card after all, but that doesn't mean I gave them permission.